Consumer Rights and Protection Consumer rights and responsabilities explained in the Lectric Law Library. Fair Credit Billing Act (FCBA) The Fair Credit Billing Act (FCBA) is a United States federal law enacted as an amendment to the Truth in Lending Act (codified at 15 U.S.C.  1601 et seq.).
Galapagos Weather and Climate. The Galapagos Islands are on the equator and the climate does not vary dramatically over the year. The climate of the Islands can best be described as subtropical. There is, however, some variation driven mainly by the ocean currents. December to May can be best described as the warm season.
The weather in december in Manila is quite dry (with 61mm of rainfall over 8 days). The weather's not getting better compared to the previous month since in november there is an average of 50mm of rainfall over 9 days. The climate comfortable around this city the month of december. The high seasonal norm is 32Â°C.